Mid-Southern Bancorp Long-Term Debt | MSVB

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Mid-Southern Bancorp

2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	16.2 M	10 M	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
16.2 M	10 M	13.1 M

Quarterly Long-Term Debt Mid-Southern Bancorp

2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	16.2 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
16.2 M	16.2 M	16.2 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Arrow Financial Corporation AROW	4.26 M	$ 38.24	0.17 %	$ 631 M	USA
Atlantic Union Bankshares Corporation AUB	772 M	$ 39.14	0.13 %	$ 5.04 B	USA
Auburn National Bancorporation AUBN	3.22 M	$ 26.25	0.75 %	$ 91.7 M	USA
Axos Financial AX	343 M	$ 92.54	0.46 %	$ 5.24 B	USA
Banc of California BANC	2.06 B	$ 18.28	0.08 %	$ 2.92 B	USA
BancFirst Corporation BANF	26.8 M	$ 109.63	0.02 %	$ 3.65 B	USA
CrossFirst Bankshares CFB	1.92 B	-	-	$ 784 M	USA
Ameris Bancorp ABCB	1.53 B	$ 83.72	0.01 %	$ 5.73 B	USA
Bank First Corporation BFC	68.4 M	$ 150.54	0.34 %	$ 1.48 B	USA
Business First Bancshares BFST	118 M	$ 30.97	0.02 %	$ 910 M	USA
BankUnited BKU	297 M	$ 44.48	0.4 %	$ 3.29 B	USA
Citizens Holding Company CIZN	18 M	-	-5.65 %	$ 49.5 M	USA
Blue Ridge Bankshares BRBS	135 M	$ 3.94	0.12 %	$ 346 M	USA
Bridgewater Bancshares BWB	174 M	$ 20.87	0.05 %	$ 575 M	USA
Bankwell Financial Group BWFG	200 M	$ 66.69	0.12 %	$ 517 M	USA
Broadway Financial Corporation BYFC	88.3 M	$ 11.86	0.04 %	$ 102 M	USA
Camden National Corporation CAC	69.1 M	$ 57.12	0.1 %	$ 965 M	USA
Carter Bankshares CARE	10 M	$ 30.58	0.16 %	$ 687 M	USA
Meta Financial Group CASH	33.5 M	$ 78.45	0.81 %	$ 1.84 B	USA
Colony Bankcorp CBAN	258 M	$ 21.06	0.05 %	$ 375 M	USA
CB Financial Services CBFV	6 M	$ 37.21	2.18 %	$ 187 M	USA
Community Bank System CBU	990 M	$ 62.77	0.1 %	$ 3.31 B	USA
Capital City Bank Group CCBG	314 K	$ 50.14	0.18 %	$ 855 M	USA
CNB Financial Corporation CCNE	84.9 M	$ 34.04	0.06 %	$ 837 M	USA
CF Bankshares CFBK	29.5 M	$ 34.86	0.11 %	$ 219 M	USA
Capitol Federal Financial CFFN	2.24 B	$ 8.86	0.51 %	$ 1.15 B	USA
Cullen/Frost Bankers CFR	235 M	$ 159.44	0.59 %	$ 10.2 B	USA
City Holding Company CHCO	150 M	$ 143.82	0.06 %	$ 2.08 B	USA
Chemung Financial Corporation CHMG	3.85 M	$ 83.55	0.28 %	$ 401 M	USA
Civista Bancshares CIVB	256 M	$ 27.16	0.07 %	$ 473 M	USA
ACNB Corporation ACNB	255 M	$ 64.55	0.54 %	$ 662 M	USA
Columbia Banking System COLB	989 M	$ 29.72	0.25 %	$ 7.07 B	USA
Central Pacific Financial Corp. CPF	76.5 M	$ 37.55	0.61 %	$ 1.01 B	USA
Capstar Financial Holdings CSTR	10 M	-	-	$ 425 M	USA
Codorus Valley Bancorp CVLY	42.4 M	-	-	$ 231 M	USA
Flagstar Bancorp FBC	1.84 B	-	-0.08 %	$ 2.02 B	USA
Evans Bancorp EVBN	21.3 M	-	2.41 %	$ 218 M	USA
FFBW FFBW	7.5 M	-	-	$ 68.2 M	USA
The First of Long Island Corporation FLIC	435 M	-	0.25 %	$ 268 M	USA
Republic First Bancorp FRBK	645 M	-	-55.86 %	$ 19.7 M	USA
HarborOne Bancorp HONE	517 M	-	-	$ 499 M	USA
Heartland Financial USA HTLF	372 M	-	-2.16 %	$ 2.77 B	USA
HV Bancorp HVBC	26.3 M	-	2.06 %	$ 77.4 M	USA
Investors Bancorp ISBC	2.85 B	-	-2.46 %	$ 3.45 B	USA
Lakeland Bancorp LBAI	284 M	-	1.45 %	$ 866 M	USA
Luther Burbank Corporation LBC	963 M	-	0.55 %	$ 466 M	USA
Macatawa Bank Corporation MCBC	20.6 M	-	-	$ 508 M	USA
Malvern Bancorp MLVF	159 M	-	-	$ 130 M	USA
Oconee Federal Financial Corp. OFED	5 M	-	-	$ 75.8 M	USA